Checking, Made for Real Life
Your money should work the way you do. FCU4U checking keeps things simple with easy access, smart tools, and support when you need it — so you can spend, save, and move money without overthinking it.
Get to know your new favorite financial tool
Making your own money moves doesn't have to be complicated. In fact, there's not even a need for extra fees. When you're getting your financial footing, you need a do-it-all checking account that keeps your money safe and at your fingertips. Plus, a few extra perks don't hurt.
WHAT YOU GET
You'll never pay a monthly maintenance charge
Make purchases and withdrawals with a free debit card
Access ATMs nationwide without surcharge fees
Our mobile and online banking gives you 24/7 account access
Receive your direct deposits up to 2 days sooner²
Set up email or text notifications for account activity³
No required minimum to maintain your account
Check your credit score every month at no cost
Three Simple Steps to Get Started
1. Get ready
Gather your ID, address, and Social Security number — that’s it.
2. Apply
The application takes about 10 minutes and can be done online or on your phone.
3. Open your account
Finish digitally, by phone call, or in person at a branch.
Don’t miss this:
You may qualify for a $300 checking offer when you open an account4. Full details are below.
A $300 Bonus? Yeah, That’s Real.
With qualifying activity.⁴
Open a fee-free FCU4U checking account, get your direct deposit set up, and keep your account in good standing — that’s it. A little extra cash never hurts.
Three simple steps:
1. Open FCU4U Personal Checking
It’s free, easy to open, and built for everyday money.
2. Get paid
Receive a single or combined direct deposit of $500+ within 60 days.
3. Stay active
Keep your account open and in good standing for 90 days.
Heads up: Use promo code 26CHK300 when you open your account to qualify for this offer.
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DISCLOSURE
1. Limited time offer that can be cancelled at any time. Free membership is open to anyone within Florida Credit Union’s 48 county field of membership. Credit approval and initial $5 open deposit required.
2. You will be paid at least one calendar day early with payroll direct deposit but there may be instances where you are paid two to three calendar days in advance of your payday. Posting dates and times for Early Posted Paycheck can vary depending upon when Florida Credit Union receives the information for your payroll, therefore we cannot guarantee early processing.
3. Text or data rates may apply.
4. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years old or older to qualify. One per household. Credit approval and initial $5 open deposit required. $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefit (such as SSI) from your employer or the government. Person-to-person payments (such as Cash App, Venmo, or PayPal) are not considered a direct deposit. If the requirements are met and the account remains open and in good standing for 90 days, the $300 will be credited to the account. $300 is considered interest and will be reported on IRS form 1099-INT.